Register for medicare refunds online dating
Answers to common questions about Equifax's range of product features.The following information is provided as general information only and does not constitute legal or compliance advice.For example, if you apply for a mobile phone or apply to a utility for gas and/or electricity for household, domestic or personal use and they provide payment terms of at least 7 days, they too are credit providers and as such may access your credit file as part of assessing your request for a particular service.When you apply for consumer credit and the credit provider intends to check your credit file as part of assessing your application for credit, they should advise you of this fact.Your credit report may also be updated whenever you apply for credit, open or close an account, change your credit limit or agree to act as a guarantor for someone else.
The length of time for which details are stored in your file depends on the type of information.
Under the new comprehensive credit reporting system your consumer credit report can be updated on a monthly basis with account repayment information such as if you have paid a credit card, or other personal credit, on time.
If it has not been paid on time this will also be recorded.
This includes: A credit rating or credit score are used to help lenders decide whether or not to loan money or provide credit and on what basis.
A score summarises information on a credit application or credit report into a single number.
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Repayment history information can also be included and reflects whether you paid the minimum amount required on your financial commitments each month on time or not (licensed credit providers only – this doesn’t include telco and utility companies).